If you’re thinking about buying a home, you’ve probably used — or at least heard of — a mortgage calculator . These nifty tools can help you figure out the price range of homes you may be able to afford and estimate your monthly mortgage payment.

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But there’s more to determining home affordability than figuring out a mortgage payment, and you have to carefully assess your financial situation before you start worrying about fluctuating interest rates and home-price trends in your area.

via What a mortgage calculator won’t tell you – MarketWatch.